Our Services

At Mike Oliver Associates, we believe that communication is the key to maximising your financial opportunities. We’re known in the local community for our client-focused, friendly and professional approach and we’re always just a phone call away from answering your questions.

We can help you with

 

Wealth Management with bespoke portfolios

With access to all asset classes from money markets, bonds, property and equities, we construct bespoke investment portfolios to meet our clients’ objectives and their desired appetite for risk.

1. Fact Finding & Goal Planning
  • Analyse Assets and Liabilities
  • Establish Target Income / Capital and date(s) required Sum
  • Establish any Specific Requirements – Ethical / Social
  • Scenario Planning – Risk/Investment Inputs
2. Attitude to Risk & Asset Allocation
  • Complete our bespoke Attitude to Risk Questionnaire
  • Discussion on the volatility of different investment assets
  • Design a portfolio using a combination of assets to generate expected/desired return within your stated attitude to investment risk
3. Tax Wrapper/Product & Fund Research & Monitoring
  • Pension / ISA / OEIC / UT / Bond / Structured Product
  • Investment Fund Selection
  • Initial External Research Team – ‘fund filtering’
  • Extensive Internal Fund research using risk weighted measures of return
4. Review Process
  • We facilitate three different levels of ongoing service
  • We monitor the investment recommendations
  • Complete review of all our recommended funds on a regular basis
  • We actively make ad hoc changes (with clients acknowledgement)
  • Regular face-to-face reviews

REQUEST REVIEW

Savings and Investments
Communication is paramount to successful investment. At the start of our relationship, we’ll sit down over a cup of tea to get to know you and find out your financial objectives, attitude to investment risk, and the likely term of your investment.

Depending on your instructions, we’ll then give one-off advice or support you with a regular programme of reviews to ensure our initial advice remains up-to-date.

The value of your investment can go down as well as up and you may not get back the full amount invested.

Download
v
Equity Release Advice
Equity release can be a safe, flexible way to maximise your retirement income if all other methods of raising finance have been exhausted.

Mike Oliver is a certified member of the Equity Release Council and can help you discover how to access and extract value from your property, including home reversion plans and lifetime mortgages.

A lifetime mortgage is secured against your home. To understand the features and risks, ask for a personalised illustration

Further Info
For Equity Release, we charge a fee of at least £600. We will also be paid a procuration fee from the mortgage provider, if one is available.

Lifetime mortgages can quickly erode the remaining equity and as a result, there may be no value left to pass on.

Equity Release schemes may work out more expensive than alternatives such as downsizing to a smaller property.

Equity Release can affect eligibility for state benefits and grants, so always check this with an IFA who is qualified to give Equity Release Advice.

Equity Release can limit a customer’s options for moving house in later years.

Mike Oliver Associates do not arrange ‘Home reversion Schemes’.

download
Find out more

Mortgages

Whether buying your first property, moving house, re-mortgaging or looking for a commercial mortgage, our specialists will find a product tailored to your precise requirements. Throughout the process, we’ll update you as we liaise with your lender, surveyor, estate agent and solicitor.

If you’re a first-time buyer, you can download our Purchasing Your First Property Booklet to find out more about the entire process of buying your first home.

Your home may be repossessed if you do not keep up repayments on your mortgage

download
Later Life Advice and Asset Protection
At a time in your life when you might hope to take things easy, essential financial decisions might hinder you from enjoying yourself. Mike Oliver Associates is a member of the Later Life Academy and the Society of Later Life Advisers.

We’re fully qualified to deal with the complex decisions you and your family may face when looking at later life issues, such as retirement planning, care funding, tax matters and move.

Contact us to find out about our protection options, including:

  • Life Cover
  • Serious Illness Cover
  • Critical Illness Insurance or Critical Illness Cover
  • Income Protection Cover
  • Education Cover
  • Disability Cover
  • Building and Contents Covers

For accident sickness and unemployment insurance, we offer products from a selected panel of providers.

Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Contact Us
Pensions
You shouldn’t have to spend your later years worrying about money, and our advisers aim, is to make sure you don’t have to.

We know the market inside-out and to make sure you’re at the centre of every decision, we offer a free, no obligation comparison quote on all pension contracts, both personal and for your company.

For income drawdown we act as introducers only.

Download

Buy to Let

Are you looking to develop a substantial portfolio as a professional landlord? Maybe you want to make a more modest investment? Either way, you’ll likely need a Buy to Let mortgage. We’ll help to establish and run your business – overseeing your finances, taxation and insurance from the start.

It’s crucial that you comply with all of the legal requirements of being a landlord. To find out more, request our mortgage pack.

Your home may be repossessed if you do not keep up repayments on your mortgage

DOWNLOAD
~
Protection for You and Your Company
96% of the British population lack adequate income protection cover. We know it’s impossible to plan for everything, which is why we work to protect you or your company from possible risks.

We’re experts at analysing your needs so that you make an informed choice while still considering all potential liabilities.

Wills & Estate Planning
Since 2002, Mike Oliver Associates has worked in association with Countrywide Tax & Trust Corporation Ltd and its staff to protect and preserve your wealth for your loved ones.

Our combined expertise means we can help with everything from valuing your estate to helping you understand the effects of divorce, remarriage and bankruptcy on your finances.

For will writing and long term care, we act as introducers only.

The Financial Conduct Authority does not regulate taxation & trust advice, and will writing.

Commercial & Development Finance

We’ve helped hundreds of SMEs grow by working alongside innovative start-up social enterprise. Together, we have more than seven decades of experience. We’ll help you achieve maximum flexibility – whether it be by advising about your property or helping reduce costs where we can.

 

Get in touch

Spencer House
Mill Green Business Estate
Haywards Heath, West Sussex RH16 1XQ
Tel: 01444 449222
Email: advice@moaifa.co.uk

 

Privacy Policy
Regulation
  • Mike Oliver Associates is authorised and regulated by the Financial Conduct Authority
  • The Financial Conduct Authority does not regulate taxation advice and trust advice, will writing  or some aspects of buy to let mortgages
  • We are entered on the Financial Services Register No 646955 at  https://register.fca.org.uk/
  • The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK
  • As the FCA want to raise consumers’ awareness of the information that is available to them we suggest that you provide a link from your website to the FCA’s consumer website “The Money Advice Service”:
  • http://www.moneyadviceservice.org.uk/
  • If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email.Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service ('FOS').  Please see the following link for further details: http://financial-ombudsman.org.uk/
Terms & Conditions

The guidance and/or advice contained within the Mike Oliver Associates website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

The Financial Ombudsman Service is able to assist you if you have a complaint or dispute with us which we are unable to resolve to your satisfaction. Please see the following link for further details:  http://financial-ombudsman.org.uk/

The Financial Conduct Authority does not regulate taxation & trust advice, will writing, some aspects of commercial mortgages, buy to let mortgages, finance and secured loans. We are entered on the Financial Services Register No 646955 at www.fca.org.uk/register/ and further information can be found on the FCA’s consumer website ‘The Money Advice Service’

We are members of the National Association of Commercial Finance Brokers (NACFB)

The Financial Conduct Authority FCA 11 Principles of Business fashion the code of conduct for our industry. If we advise you on your assets, we assume a joint responsibility with you to safeguard them in any eventuality. Under Principle 10, as Financial Advisers, we are morally and legally obliged to protect the assets of our clients.

As Financial Advisers, we maintain the highest standards of ethics.  To that end, we have devoted our time and efforts to producing a charging structure that is fair across all our business areas. We are pleased to support FCA Principle 6, ‘Treating Customers Fairly’. Your home or property may be repossessed if you do not keep up repayments on your mortgage. For mortgages we charge a fee of at least £600.  We will also be paid a procuration fee from the mortgage provider if one is available.